Transaction Storing and Forwarding

ABSTRACT

After loss of communications between a cash handling device and a financial institution, transactions may continue to be processed. In one configuration, the transactions may be processed up to a predefined transaction limit. Transaction limits may be defined by a number of transactions, a dollar amount transacted or to be transacted, an amount of time and/or combinations thereof. Additionally or alternatively, the transaction limit may be specific to one or more types of transactions. Transaction data may be stored in memory until communication has been re-established, at which time the data may be transmitted to the financial institution for processing.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of and claims priority to U.S. patentapplication Ser. No. 14/747,109, filed Jun. 23, 2015, and entitled“Transaction Storing and Forwarding,” which is a continuation of andclaims priority to U.S. patent application Ser. No. 12/183,706, filedJul. 31, 2008, and entitled “Transaction Storing and Forwarding.” Eachof the foregoing applications is incorporated by reference herein in itsentirety.

BACKGROUND

Businesses and other organizations often require a supply of cash tofund transactions such as providing change for customer purchases. Insome instances, such businesses and organization use a cash handlingdevice that provides recognition of transactions (e.g., withdrawals,deposits) by transmitting the transaction data to a financialinstitution. Since, in such systems, there is a reliance uponcommunications between the cash handling device and the financialinstitution, a disruption in communications may cause the cash handlingdevice to lock down and prevent further transactions. The cash handlingdevice may respond in such a fashion to avoid potential loss of funds orother discrepancies since the financial institution is not able toreconcile data if communications have been lost. Thus, a business ororganization would not be able to access funds during the communicationoutage, thereby disrupting regular operations.

SUMMARY

The following presents a simplified summary in order to provide a basicunderstanding of some aspects of the invention. The summary is not anextensive overview of the invention. It is neither intended to identifykey or critical elements of the invention nor to delineate the scope ofthe invention. The following summary merely presents some concepts ofthe invention in a simplified form as a prelude to the descriptionbelow.

According to some aspects, a store and forward mode is provided by acash handling device so that transactions may still be conducted at thecash handling device even after communications with a financialinstitution have been lost. The cash handling device may be configuredto allow transactions up to a certain transaction limit during a periodwhere communications have been lost. A transaction limit may include anumber of transactions, a total amount transacted, an amount of time andthe like. The transaction limit(s) may be set by the financialinstitution, the business or organization using the cash handlingdevice, a transport carrier or other entities. Transactions conductedduring the communication failure period may be stored in memory. Uponre-establishment of communications between the cash handling device andthe financial institution, the cash handling device may forward the dataassociated with the transactions conducted during the communicationfailure period to the financial institution for reconciliation,recognition and/or other processing.

According to some aspects, transaction limits may be defined for certaintransaction types. Thus, in one example, withdrawals may be limited to acertain number of transactions or amount while deposits may be conductedwithout limit or with a different limit.

BRIEF DESCRIPTION OF THE DRAWINGS

The present disclosure is illustrated by way of example and not limitedin the accompanying figures in which like reference numerals indicatesimilar elements.

FIG. 1 illustrates an example of a suitable operating environment inwhich various aspects of the disclosure may be implemented.

FIG. 2 illustrates a simplified diagram of a currency recycler inaccordance with one or more aspects described herein.

FIG. 3 illustrates various features of a currency recycler that may beused in accordance with one or more aspects described herein.

FIG. 4 illustrates additional features of a currency recycler used inone or more aspects described herein.

FIG. 5 illustrates a data flow between a financial institution and acash handling device according to one or more aspects described herein.

FIG. 6 is a flowchart illustrating a method for activating of one ormore transaction limits and storing and forwarding transactions inaccordance with one or more aspects described herein.

FIG. 7 illustrates a user interface for configuring transaction limitsaccording to one or more aspects described herein.

FIG. 8A illustrates a connection error message in accordance with one ormore aspects described herein.

FIG. 8B illustrates a transaction limit warning message in accordancewith one or more aspects described herein.

FIG. 9 is a flowchart illustrating processing transaction requests uponrestoration of communications with a cash handling device according toone or more aspects described herein.

DETAILED DESCRIPTION

Aspects of the present disclosure relate to cash handling devices. Cashhandling devices generally refer to devices that are configured toaccept and/or dispense currency. Cash handling devices include paymentkiosks, point of sale systems such as cash registers, automated tellermachines (ATMs), currency recyclers and the like. Currency recyclersgenerally refer to cash handling devices that are configured to dispensethe same currency that was earlier deposited. For example, if a userdeposits a 5 dollar bill into a cash recycler machine, the same 5 dollarbill may be dispensed during a subsequent withdrawal transaction. Thus,using currency recyclers, deposited currency may be placed immediatelyback into use and circulation instead of being held or frozen until abank is able to collect and reconcile the funds, stored indefinitelyand/or taken out of circulation entirely as is the case with othercurrent cash handling devices.

FIG. 1 illustrates an example of a suitable operating environment inwhich various aspects of the disclosure may be implemented. Devices 102,104, 106 may include currency recyclers and/or other cash handlingdevices and may be located at various sites such as locations 101, 103,and 105. The locations may represent different stores of a businessenterprise. For example, locations 101, 103, and 105 may represent threedifferent grocery stores located in different geographical areasbelonging to a grocery store chain. Those skilled in the art willrealize that additional cash handling devices may be located in the samestore or in other stores belonging to the grocery store chain. Inaddition, those skilled in the art will realize that a grocery storechain is only one illustrative example of the types of locations orbusinesses that cash handling devices such as recyclers may be located.For example, cash recyclers may also be located in gas stations, postoffices, department stores, and other places where cash and otherfinancial instruments are deposited or withdrawn.

FIG. 1 further illustrates that cash handling devices 102, 104, and 106may be connected to a communications network such as communicationsnetwork 120. Communications network 120 may represent: 1) a local areanetwork (LAN); 2) a simple point-to-point network (such as directmodem-to-modem connection); and/or 3) a wide area network (WAN),including the Internet and other commercial based network services.

Cash handling devices 102, 104, and 106 may communicate with one anotheror with a financial institution such as bank 130 via communicationnetwork 120 in various manners. For example, communications between cashhandling devices 102, 104, 106 and bank 130 may use protocols andnetworks such as TCP/IP, Ethernet, FTP, HTTP, BLUETOOTH, Wi-Fi, ultrawide band (UWB), low power radio frequency (LPRF), radio frequencyidentification (RFID), infrared communication, IrDA, third-generation(3G) cellular data communications, Global System for Mobilecommunications (GSM), or other wireless communication networks or thelike. Communications network 120 may be directly connected to afinancial institution such as bank 130. In another embodiment,communications network 120 may be connected to a second network orseries of networks 140 before being connected to bank 130. According toone or more arrangements, bank 130 may utilize an infrastructure whichincludes a server 150 having components such as a memory, a processor, adisplay, and a communication interface.

FIG. 2 illustrates a simplified diagram of a cash recycler that may beused in accordance with the operating environment of FIG. 1. Cashrecycler 200 may include processor 201, memory 203, communicationinterface 205, scanning unit 207, display 213 and various cartridges 215and stackers 217. Processor 201 may be generally configured to executecomputer-readable instructions stored in memory 203 such that, forexample, cash recycler 200 may send and receive information to and froma bank (e.g., bank 130 of FIG. 1) using communication interface 205 andvia a network (e.g., networks 120 and/or 140 of FIG. 1). Memory 203 maybe configured to store a variety of information including theaforementioned computer-readable instructions, funds balance data,reconciliation data, user account information and the like.Additionally, memory 203 may include non-volatile and/or volatilememory. One or more databases may be stored in the memories 108, 112,and 116.

Cash recycler 200 may further provide display 213 to present data and/ormessages to a user. For example, display 213 may be configured todisplay a recycler balance, a transaction interface, a current depositcount, security options, transportation options and the like. One ormore input devices 254 such as a keypad, keyboard, mouse, touchscreen,fingerprint scanner, retinal scanner, proximity card reader, RFIDscanner and/or writer, magnetic card reader, barcode reader, and/orcombinations thereof, or any other type of input device or readercapable of inputting, reading, or scanning indicia or information, mayalso be included in or connected to recycler 200. One or printers 256may also be included in or connected to recycler 200 for printingreceipts and notifications as well.

In cash recycler 200, stackers 217 and cartridges 215 are configured tostore currency. Currency may be inserted through input slot 209 andwithdrawn through withdrawal slot 211. Stackers 217 may be used to storeand organize currency based on denomination. For example, all $5 billsmay be stored in stacker 2 (i.e., stacker 217B) while all $20 bills maybe stored in stacker 3 (i.e., stacker 217C). Cartridges 215A and 215B,on the other hand, may be used to store overflow currency and/orcurrency for transport. Thus, if stackers 217 become full, additionalcurrency that is deposited into recycler 200 may be stored in anoverflow cartridge such as cartridge 215B. One of cartridges 215 may bedesignated as a transport cartridge that stores currency to be withdrawnfrom the machine and transported to the bank. Alternatively oradditionally, one or more of cartridges 215 may be used as an unfit billstore for currency determined to be defective to a degree that it shouldbe taken out of circulation. Cartridges 215 and stackers 217 may furtherbe removable for easier access or transport.

Scanning unit 207 may be configured to scan each bill or currency thatis inserted into recycler 200. Scanning unit 207 may be configured todetect defects, unauthorized reproductions, denomination, type ofcurrency (e.g., which country the currency originates from) and thelike. Scanning unit 207 may further be configured to refuse money(either through input slot 209 or withdrawal slot 211) if it cannot beproperly recognized or if the currency is deemed to be an unauthorizedreproduction. Scanning unit 207 may send such data to processor 201which may, in turn, save the data in memory 203.

Further, recycler 200 may include one or more mechanical orelectromechanical systems (not shown) for automatically transferringcurrency between stackers 217, cartridges 215, input slot 209 andwithdrawal slot 211 in recycler 200. For example, currency mayautomatically be withdrawn from stackers 217 and directed into cartridge215A for storage using a series of motorized rollers. In anotherexample, currency stored in cartridge 215A may be withdrawn andorganized and stored into stackers 217 according to denomination. Usingsuch systems to facilitate the automated movement of currency betweenstorage components and other portions of recycler 200 may provideefficiency and security by alleviating some of the need to manuallyhandle currency stored within recycler 200.

FIG. 3 illustrates various features of cash recycler, such as cashrecycler 200 of FIG. 2, used in various aspects of the invention. Theimages in FIG. 3 depict use of a single cash recycler 200 in a retailenvironment. The retail owner may have a cash recycler 200 located ineach of their stores. In an aspect of the invention, summary informationfor the retail owner's stores may be available via an interface to thefinancial institution. In another embodiment, access to summaryinformation may be available directly from each of the cash recyclers200.

In FIG. 3, image 302 depicts customer 303 paying cash to a retailemployee such as store cashier 305 for a purchase. Another store cashier307 at a recently closed cash register may be carrying a cash drawer ortill 308 to a back office for reconciliation. In image 310, storecashier 307 may load currency from cash register till 308 into cashrecycler 200. In addition, store cashier 307 may also deposit otherpaper forms of payment received from customer such as checks. An officemanager 311 may be supervising cashier 307 during the loading of cashregister till 308 into cash recycler 200. Moreover, upon the start of ashift a cashier may fill his/her cash register till with a designatedamount of currency dispensed from cash recycler 200.

In image 306 of FIG. 3, a display screen (e.g., display 213 of cashrecycler 200 of FIG. 2) may show the total amount entered into cashrecycler 200 from till 308. The display screen 213 may breakout theamount entered into cash recycler 200 by denomination and by eachcashier. The total amount deposited and withdrawn from cash recycler 200may be shown on display screen 213.

FIG. 4 illustrates a system configuration that may be used in accordancewith an aspect of the invention. In FIG. 4 a cash recycler 402 maycommunicate information to cash recycler service 404 located at a remotelocation. For example, cash recycler 402 may communicate deposit andwithdrawal information from an enterprise location (e.g., a retailstore) to the remote cash recycler service 404. The information may berouted through various networks such as the Internet to reach the cashrecycler service. The cash recycler service 404 may be located in thedata center of a financial institution. The cash recycler service 404may communicate with an integration system 406 which provides access tothe financial systems and processes. The integration system 406 maycommunicate with a memo posting system 408 which may perform postingactivity. The posting system 408 may update the appropriate DDA (directdeposit account) system 410 to reflect the balance changes in theenterprises account balances. The DDA system 410 may also update atransaction repository 412 for historical and intra-day reportingpurposes. An enterprise employee may access information stored in thetransaction repository 412 through a client access channel 414 via webbrowser. Those skilled in the art will realize that the financialinstitution may allow the enterprise user to access the informationstored in the transaction repository via numerous alternativecommunication methods.

According to one aspect, cash recyclers such as cash recycler 102(FIG. 1) and 200 (FIG. 2) and other cash handling devices may facilitatereal-time recognition of funds. In particular, funds deposited at arecycler or other cash handling device at a client site may berecognized by a bank at the time the deposit is made. Recognition refersto the real credit (i.e., not provisional) of deposited funds into aclient's account. In contrast to current systems, there is no delaybetween a deposit of funds and when the funds and transaction data aresubmitted to the bank for recognition. Thus, instead of having to waituntil the end of the day or another prescheduled time for depositsand/or withdrawals to be recognized by the bank, each deposit isprocessed for recognition in real-time. Data regarding the withdrawal ordeposit transaction may be transmitted through a data network to thebank for recognition and processing. Providing real-time recognitionoffers may advantages including the ability for a client to withdraw thesame currency that was earlier deposited for use in the client'soperations, all at the client site and without having to first transportthe deposited funds to the bank for recognition. Currency recyclers,recycling management and recognition of funds are further described inU.S. application Ser. No. 11/614,656, entitled “Commercial CurrencyHandling and Servicing Management,” filed on Dec. 21, 2006, the contentof which is incorporated herein by reference in its entirety.

Because financial institutions and cash handling devices associatedtherewith are generally located remote from one another, recognition offunds and transaction processing is typically conducted over datanetworks. FIG. 5 illustrates a network environment showing a data flowwhen the network connections are operational. In particular, cashhandling device 500 at location 501 may transmit transaction data to aserver 505 at financial institution 506 for recognition and approval.For example, if a withdrawal is made at cash handling device 500, theamount of withdrawal, a transaction ID, a cash handling deviceidentifier, an ID of the withdrawing individual and the like may be sentto server 505 for processing and recordkeeping. Similarly, if a depositis made at cash handling device 500, the deposit amount, time, date andother data may be transmitted to server 505 for immediate recognition asdiscussed above. In some instances, server 505 of financial institution506 may respond to the transaction data with confirmation of receiptand/or recognition of the transaction.

In various situations, the network connection between a cash handlingdevice (e.g., device 500) and a financial institution server (e.g.,server 505) may be lost. The disruption may be due to one or more nodesin the network path failing, power outages, unavailability of the cashhandling device or the financial institution server (e.g., devicefailure or maintenance) and the like. If the network connection is lostor fails, a business at which the cash handling device is located andbeing used may be prevented from conducting further transactions. Theinability to obtain and deposit funds may adversely affect theoperations of the business.

FIG. 6 is a flowchart illustrating a method by which transactions maycontinue to be processed at a cash handling device even aftercommunications between the cash handling device and financialinstitution have been lost. In step 600, for example, a cash handlingdevice may determine whether communications between it and a financialinstitution server have been lost or are otherwise unavailable. Such adetermination may be made by pinging the financial institution atpredetermined times (e.g., every 5, 10, 30, 60 seconds). Alternatively,a financial institution server may send a heartbeat signal to the cashhandling device and/or vice versa, the detection of which indicating anoperational connection. If communications between the cash handlingdevice and the financial server have been lost or are otherwiseunavailable, the cash handling device may enter a store and forward modeby enabling one or more transaction limits in step 605. Transactionlimits may include a maximum permitted withdrawal amount, a maximumamount of time for processing transactions, limits on users that mayperform transactions during the store and forward mode and the like. Inone or more arrangements, transaction limits may be defined from thetime the store and forward mode is entered (i.e., upon detecting ordetermining loss of communications between the cash handling device andthe financial institution). Thus, if a maximum withdrawal amount is setat $1000, the cash handling device may insure that the total amount offunds withdrawn from the cash handling device after entry into the storeand forward mode does not exceed $1000.

Upon entry into the store and forward mode, the cash handling device mayreceive a transaction request in step 610. For example, the transactionrequest may be for a withdrawal of funds, an exchange of denominations,a deposit of cash and the like. In step 615, the cash handling devicemay determine characteristics of the transaction request includingattributes such as an amount of the transaction, a transaction type, atransaction request time and the like. The characteristics may bedetermined based on user input, scanning of deposited funds, an internalclock, among other data sources. In step 620, the cash handling devicemay determine whether the characteristics of the requested transactionsexceed the transaction limits enabled during the store and forward mode.In one example, the cash handling device may determine if a total amountwithdrawn since the store and forward mode was activated (or since theloss of connection or unavailability of the financial institutionserver) would exceed a maximum withdrawal limit if the transactionrequest was processed. In another example, the cash handling device maydetermine if a total number of transactions or type of transactionprocessed since the loss of connection or activation of the store andforward mode exceeds a predefined limit. In yet another example, thecash handling device may apply limits specific to a particularindividual or role requesting the transaction.

If the cash handling device determines that the requested transaction,if processed, will exceed the transaction limits, the cash handlingdevice may indicate that the transaction is not allowed because thetransaction would cause the device to exceed the limits in step 625.Alternatively, the cash handling device may process the transaction upto the limit in step 630. For example, if a withdrawal amount limit isset and a user requests a withdrawal of an amount that would exceed thelimit, the cash handling device may dispense funds up to the limit, thenindicate to the user that the limit has been reached, e.g., as in step635. Optionally, once the transaction limit has been met, the cashhandling device may enter a lockdown mode where no other transactions ortransactions of a particular type may be requested (e.g., notransactions may be initiated). In one example, no other transaction maybe allowed once lockdown mode has been entered. In another example, onlydeposits may be allowed once the lockdown mode has been engaged.

If, on the other hand, the cash handling device determines thatprocessing of the requested transactions would meet the transactionlimits (i.e., would not exceed the limits), the cash handling device mayprocess and store the requested transaction in step 640. Since thetransaction data cannot be sent to the financial server for confirmationor acknowledgment, requested transaction data may be stored in memory ofthe cash handling device. Prior to, during or after processing thetransaction, the cash handling device may further increase a countassociated with the transaction limits in step 645. For example, thecash handling device may increase the total amount of currencytransacted since loss of connection with the financial server by theamount of the requested transaction. In another example, the cashhandling device may increase the number of transactions processed by 1.

In step 650, the cash handling device may detect that a connection withthe financial server has been restored or that the financial server isnow available. For example, the financial server may broadcast a messageindicating availability to all cash handling devices. In anotherexample, the cash handling device may receive a ping response thatindicates the financial server is available. In response to detectingthat communications with the financial server have been reestablished,the cash handling device may forward all of the transactions that havebeen processed since the loss of connection with or availability of thefinancial server to the financial server for processing in step 655. Thecash handling device may subsequently receive acknowledgment orconfirmation of the processed transactions (e.g., acknowledgment ofrecognition of deposited funds) in step 660. If communications betweenthe cash handling device and the financial institution are alive, asdetermined in step 600, the cash handling device may operate normally orreturn to normal operations (i.e., transaction limits might not applied)in step 665.

FIG. 7 illustrates a configuration interface for specifying a dollaramount and time limit for transaction processing after loss ofcommunications with a financial server. Interface 700 includes timelimit entry field 705 a and amount entry field 705 b and keypad 710 forentry of the limits. Interface 700 might only be available or accessibleto a financial institution authorized individual. For example, theclient or customer using the cash handling device might not be permittedto configure these limits. Alternatively, a financial institution mayallow a management level employee of the client to configure suchlimits.

FIG. 8A illustrates an out of service message that may be displayed onceone or more specified limits have been reached. For example, interface800 may display a connection error 805 indicating that the connectionwith the financial institution server has not been restored. Theconnection error 805 may be displayed until an individual selects anacknowledgment option such as “OK” button 810. Error 805 may bedisplayed upon login, upon powering up the cash handling device and/orupon returning to an active state from a standby mode.

FIG. 8B illustrates a warning message 820 that indicates a transactionlimit is close to being exceeded. In addition to warning 825, message820 may provide additional information such as a number of transactionsalready processed 830 and a predefined limit on transactions 835 so thata user can determine how many more transactions or an amount ofadditional funds that may be processed prior to lockdown or shutdown ofthe device. Alternatively or additionally, the limit may be based on anumber of transactions, a dollar amount transacted or to be transactedand/or a time value.

FIG. 9 is a flowchart illustrating an example method for processingstored transactions received from a cash handling device uponreestablishment of communications. The method may begin at step 900where a financial institution server may detect that a communicationconnection with the cash handling device has been restored. In oneexample, the financial institution server may broadcast a signal on aperiodic or aperiodic basis to one or more cash handling devices andreceive acknowledgment signals indicating that the signal was received.Accordingly, the financial institution server may determine whether acommunication connection between the server and the cash handling deviceis functional based on whether acknowledgment messages are received inresponse to the transmitted signals. Upon detecting that communicationswith the cash handling device have been restored, the financialinstitution server may request that the cash handling device transmit orforward any stored transactions to the server for processing by thefinancial institution in step 905.

In step 910, the financial institution may receive one or more storedtransactions in response to its request. The financial institution maythen process each of the stored transactions and provide subsequentacknowledgment to the cash handling device in step 915. For example, thefinancial institution may recognize each deposited amount (i.e., creditthe depositor's account) and/or debit a withdrawal amount from thedepositor's amount in accordance with the parameters of each requestedtransaction.

In one or more instances, the financial institution may determinewhether one or more of the stored transactions is authorized orotherwise can be processed, e.g., as shown in step 920. Thedetermination may be based on whether sufficient funds exist for awithdrawal, whether a deposit limit would be exceeded and the like. Ifthe transaction is authorized, the financial institution may completeprocessing of the transaction in step 935. If, however, the transactionis not authorized, in step 925, the financial institution may issue anotification to the client cash handling device and/or to the client(e.g., through an e-mail or phone call) indicating that the one or morestored transactions could not be processed and appropriate correction isneeded. Additionally, the financial institution may freeze processing oftransactions at the cash handling device in step 930 until the issue isresolved. For example, the financial institution server may transmit afreeze signal to the cash handling device, thereby locking the devicefrom further transactions. Alternatively, the financial institutionserver may refuse to process or acknowledge any transaction requests ordata received from the cash handling device until resolution of theissues. In yet another alternative, the financial institution server mayallow further transaction processing while attempting to resolve theissues on the side.

According to one or more aspects, transaction limits during a store andforward mode might only apply to one or more types of transactions. Forexample, a limit on the number of transactions of an amount of fundsinvolved in the transactions might only be enforced against withdrawals.Thus, deposits might still be allowed even when the limits forwithdrawals have been met.

Additionally, the methods and features recited herein may further beimplemented through any number of computer readable media that are ableto store computer readable instructions. Examples of computer readablemedia that may be used include RAM, ROM, EEPROM, flash memory or othermemory technology, CD-ROM, DVD, or other optical disk storage, magneticcassettes, magnetic tape, magnetic storage and the like.

While illustrative systems and methods described herein embodyingvarious aspects are shown, it will be understood by those skilled in theart that the invention is not limited to these embodiments.Modifications may be made by those skilled in the art, particularly inlight of the foregoing teachings. For example, each of the elements ofthe aforementioned embodiments may be utilized alone or in combinationor sub-combination with the elements of the other embodiments. It willalso be appreciated and understood that modifications may be madewithout departing from the true spirit and scope of the presentinvention. The description is thus to be regarded as illustrativeinstead of restrictive on the present invention.

What is claimed is:
 1. A cash recycler system, comprising: at least oneprocessor; a communication interface; and memory storing computerreadable instructions that, when executed by the at least one processor,cause the cash recycler system to: determine that a network connectionbetween the cash recycler system and a cash recycler service associatedwith a remote server cannot be established via the communicationinterface, the cash recycler system being located at an enterpriselocation and the remote server being located at a data center remotefrom the enterprise location; after determining that the networkconnection between the cash recycler system and the cash recyclerservice associated with the remote server cannot be established via thecommunication interface, receive a transaction request via at least oneuser interface presented by the cash recycler system; if the transactionrequest received via the at least one user interface presented by thecash recycler system corresponds to a deposit loaded from a cashregister till at the enterprise location, process the transactionrequest received via the at least one user interface presented by thecash recycler system to receive the deposit loaded from the cashregister till at the enterprise location and store transaction dataassociated with the deposit loaded from the cash register till at theenterprise location; and if the transaction request received via the atleast one user interface presented by the cash recycler system does notcorrespond to a deposit loaded from a cash register till at theenterprise location, process the transaction request received via the atleast one user interface presented by the cash recycler system based onone or more transaction thresholds.
 2. The cash recycler system of claim1, wherein processing the transaction request received via the at leastone user interface presented by the cash recycler system based on theone or more transaction thresholds comprises: dispensing funds based onthe one or more transaction thresholds and based on the transactionrequest received via the at least one user interface presented by thecash recycler system while the network connection between the cashrecycler system and the cash recycler service associated with the remoteserver cannot be established via the communication interface; andstoring transaction data associated with the funds dispensed based onthe one or more transaction thresholds and based on the transactionrequest received via the at least one user interface presented by thecash recycler system while the network connection between the cashrecycler system and the cash recycler service associated with the remoteserver cannot be established via the communication interface.
 3. Thecash recycler system of claim 2, wherein dispensing the funds based onthe one or more transaction thresholds and based on the transactionrequest received via the at least one user interface presented by thecash recycler system while the network connection between the cashrecycler system and the cash recycler service associated with the remoteserver cannot be established via the communication interface comprisesdispensing at least some currency that was previously deposited at thecash recycler system.
 4. The cash recycler system of claim 1, whereinprocessing the transaction request received via the at least one userinterface presented by the cash recycler system based on the one or moretransaction thresholds comprises denying the transaction requestreceived via the at least one user interface presented by the cashrecycler system based on the one or more transaction thresholds.
 5. Thecash recycler system of claim 1, wherein at least one transactionthreshold of the one or more transaction thresholds defines a maximumnumber of withdrawal transactions that the cash recycler system ispermitted to process while the network connection between the cashrecycler system and the cash recycler service associated with the remoteserver cannot be established via the communication interface.
 6. Thecash recycler system of claim 1, wherein at least one transactionthreshold of the one or more transaction thresholds defines a maximumamount of currency that the cash recycler system is permitted todispense while the network connection between the cash recycler systemand the cash recycler service associated with the remote server cannotbe established via the communication interface.
 7. The cash recyclersystem of claim 1, wherein at least one transaction threshold of the oneor more transaction thresholds defines a maximum amount of time in whichthe cash recycler system is permitted to process one or more transactionrequests while the network connection between the cash recycler systemand the cash recycler service associated with the remote server cannotbe established via the communication interface.
 8. The cash recyclersystem of claim 1, wherein at least one transaction threshold of the oneor more transaction thresholds defines one or more limits on which usersof the cash recycler system are permitted to input one or moretransaction requests to the cash recycler system via the at least oneuser interface presented by the cash recycler system while the networkconnection between the cash recycler system and the cash recyclerservice associated with the remote server cannot be established via thecommunication interface.
 9. The cash recycler system of claim 1, whereinthe memory stores additional computer readable instructions that, whenexecuted by the at least one processor, cause the cash recycler systemto: after receiving the transaction request via the at least one userinterface presented by the cash recycler system, determine that thenetwork connection between the cash recycler system and the cashrecycler service associated with the remote server has been establishedvia the communication interface; and based on determining that thenetwork connection between the cash recycler system and the cashrecycler service associated with the remote server has been establishedvia the communication interface, transmit, to the cash recycler serviceassociated with the remote server, via the communication interface, thetransaction data associated with the deposit loaded from the cashregister till at the enterprise location stored by the cash recyclersystem.
 10. The cash recycler system of claim 9, wherein the transactiondata associated with the deposit loaded from the cash register till atthe enterprise location stored by the cash recycler system andtransmitted by the cash recycler system to the cash recycler serviceassociated with the remote server via the communication interface causesthe cash recycler service associated with the remote server to recognizethe deposit loaded from the cash register till at the enterpriselocation.
 11. The cash recycler system of claim 9, wherein thetransaction data associated with the deposit loaded from the cashregister till at the enterprise location stored by the cash recyclersystem and transmitted by the cash recycler system to the cash recyclerservice associated with the remote server via the communicationinterface causes the cash recycler service associated with the remoteserver to recognize the deposit loaded from the cash register till atthe enterprise location by crediting funds associated with the depositloaded from the cash register till at the enterprise location to aclient account associated with an owner of the enterprise location wherethe cash recycler system is located.
 12. The cash recycler system ofclaim 9, wherein the transaction data associated with the deposit loadedfrom the cash register till at the enterprise location stored by thecash recycler system and transmitted by the cash recycler system to thecash recycler service associated with the remote server via thecommunication interface causes the cash recycler service associated withthe remote server to recognize the deposit loaded from the cash registertill at the enterprise location by applying, to a client accountassociated with an owner of the enterprise location where the cashrecycler system is located, a non-provisional credit for fundsassociated with the deposit loaded from the cash register till at theenterprise location.
 13. A method, comprising: at a cash recycler systemcomprising at least one processor, memory, and a communicationinterface: determining, by the at least one processor, that a networkconnection between the cash recycler system and a cash recycler serviceassociated with a remote server cannot be established via thecommunication interface, the cash recycler system being located at anenterprise location and the remote server being located at a data centerremote from the enterprise location; after determining that the networkconnection between the cash recycler system and the cash recyclerservice associated with the remote server cannot be established via thecommunication interface, receiving, by the at least one processor, atransaction request via at least one user interface presented by thecash recycler system; if the transaction request received via the atleast one user interface presented by the cash recycler systemcorresponds to a deposit loaded from a cash register till at theenterprise location, processing, by the at least one processor, thetransaction request received via the at least one user interfacepresented by the cash recycler system to receive the deposit loaded fromthe cash register till at the enterprise location and store transactiondata associated with the deposit loaded from the cash register till atthe enterprise location; and if the transaction request received via theat least one user interface presented by the cash recycler system doesnot correspond to a deposit loaded from a cash register till at theenterprise location, processing, by the at least one processor, thetransaction request received via the at least one user interfacepresented by the cash recycler system based on one or more transactionthresholds.
 14. The method of claim 13, wherein processing thetransaction request received via the at least one user interfacepresented by the cash recycler system based on the one or moretransaction thresholds comprises: dispensing funds based on the one ormore transaction thresholds and based on the transaction requestreceived via the at least one user interface presented by the cashrecycler system while the network connection between the cash recyclersystem and the cash recycler service associated with the remote servercannot be established via the communication interface; and storingtransaction data associated with the funds dispensed based on the one ormore transaction thresholds and based on the transaction requestreceived via the at least one user interface presented by the cashrecycler system while the network connection between the cash recyclersystem and the cash recycler service associated with the remote servercannot be established via the communication interface.
 15. The method ofclaim 14, wherein dispensing the funds based on the one or moretransaction thresholds and based on the transaction request received viathe at least one user interface presented by the cash recycler systemwhile the network connection between the cash recycler system and thecash recycler service associated with the remote server cannot beestablished via the communication interface comprises dispensing atleast some currency that was previously deposited at the cash recyclersystem.
 16. The method of claim 13, comprising: after receiving thetransaction request via the at least one user interface presented by thecash recycler system, determining, by the at least one processor, thatthe network connection between the cash recycler system and the cashrecycler service associated with the remote server has been establishedvia the communication interface; and based on determining that thenetwork connection between the cash recycler system and the cashrecycler service associated with the remote server has been establishedvia the communication interface, transmitting, by the at least oneprocessor, to the cash recycler service associated with the remoteserver, via the communication interface, the transaction data associatedwith the deposit loaded from the cash register till at the enterpriselocation stored by the cash recycler system.
 17. The method of claim 16,wherein the transaction data associated with the deposit loaded from thecash register till at the enterprise location stored by the cashrecycler system and transmitted by the cash recycler system to the cashrecycler service associated with the remote server via the communicationinterface causes the cash recycler service associated with the remoteserver to recognize the deposit loaded from the cash register till atthe enterprise location.
 18. The method of claim 16, wherein thetransaction data associated with the deposit loaded from the cashregister till at the enterprise location stored by the cash recyclersystem and transmitted by the cash recycler system to the cash recyclerservice associated with the remote server via the communicationinterface causes the cash recycler service associated with the remoteserver to recognize the deposit loaded from the cash register till atthe enterprise location by crediting funds associated with the depositloaded from the cash register till at the enterprise location to aclient account associated with an owner of the enterprise location wherethe cash recycler system is located.
 19. The method of claim 16, whereinthe transaction data associated with the deposit loaded from the cashregister till at the enterprise location stored by the cash recyclersystem and transmitted by the cash recycler system to the cash recyclerservice associated with the remote server via the communicationinterface causes the cash recycler service associated with the remoteserver to recognize the deposit loaded from the cash register till atthe enterprise location by applying, to a client account associated withan owner of the enterprise location where the cash recycler system islocated, a non-provisional credit for funds associated with the depositloaded from the cash register till at the enterprise location.
 20. Oneor more non-transitory computer-readable media storing instructionsthat, when executed by a cash recycler system comprising at least oneprocessor, memory, and a communication interface, cause the cashrecycler system to: determine that a network connection between the cashrecycler system and a cash recycler service associated with a remoteserver cannot be established via the communication interface, the cashrecycler system being located at an enterprise location and the remoteserver being located at a data center remote from the enterpriselocation; after determining that the network connection between the cashrecycler system and the cash recycler service associated with the remoteserver cannot be established via the communication interface, receive atransaction request via at least one user interface presented by thecash recycler system; if the transaction request received via the atleast one user interface presented by the cash recycler systemcorresponds to a deposit loaded from a cash register till at theenterprise location, process the transaction request received via the atleast one user interface presented by the cash recycler system toreceive the deposit loaded from the cash register till at the enterpriselocation and store transaction data associated with the deposit loadedfrom the cash register till at the enterprise location; and if thetransaction request received via the at least one user interfacepresented by the cash recycler system does not correspond to a depositloaded from a cash register till at the enterprise location, process thetransaction request received via the at least one user interfacepresented by the cash recycler system based on one or more transactionthresholds.